Updated September 28, 2026 · AssureCue Editorial Team
Hannoversche vs SOLIDAR -Das faire Sterbegeld
Where Hannoversche and SOLIDAR -Das faire Sterbegeld differ
| Compare |  Hannoversche |  SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Premium from | €7.91 | €0.47Lower |
| Insurance types | Auto, Home, Life, Income protectionCovers more | Life |
| Cover limit | EUR 850,000 sum insured (term life insurance, online conclusion with simplified health check) | up to EUR 8,000 death benefit (Tarife 18 and 19) |
| Claims channels | Phone, Email, Online service centre | Phone, Post |
| Age range | Cover can run for 5 to 45 years, maximum to age 75 | entry age 14-75 (monthly premium plans 14-70) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Hannoversche scores higher overall: 9.4 vs 9.3.
- Founded is lower at Hannoversche: 1875 vs 1922.
- Premium from is lower at SOLIDAR -Das faire Sterbegeld: €0.47 vs €7.91.
- Insurance types: only Hannoversche offers Auto, Home, Income protection.
- Claims channels: only Hannoversche offers Email, Online service centre.
- Claims channels: only SOLIDAR -Das faire Sterbegeld offers Post.
- Support channels: only Hannoversche offers Chat.
Our verdict on each
Hannoversche
Hannoversche is a German insurer selling auto, home, life and income protection cover, suited to households that want everything under one roof with monthly payments on term life policies. Its starting premium is €7.91, and it holds a German regulatory licence, so premiums are paid to a supervised insurer.
SOLIDAR -Das faire Sterbegeld
SOLIDAR -Das faire Sterbegeld keeps the cover deliberately plain: a single death benefit paid monthly, for households that want a guaranteed sum for survivors and nothing beyond it. Premiums start at €0.47 on the monthly plans, so the outlay suits people covering a mortgage or a partner's income.
Score breakdown
| Area | Hannoversche | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Cost | 9.1 | 9.5HigherStarting premiums of €0.47 sit far below the site median of €8.37, and the cost part scores 9. |
| Offer | 9.3Higher | 8.6 |
| Trust | 9.7 | 9.7 |
Availability and regulation
| Country | Hannoversche | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Germany |
Available in 1 country for both.
Side by side, item by item
| Insurance types | Hannoversche | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | Yes |
| Income protection | Yes | No |
Positions in our rankings
| Ranking | Hannoversche | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Life insurance | 57 of 263 | 82 of 263 |
A third option
TF Bank DE has premium from at €0, against €7.91 for Hannoversche and €0.47 for SOLIDAR -Das faire Sterbegeld.
TF Bank DE reviewEvery fact side by side
| Fact | Hannoversche | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Hannoversche Lebensversicherung AG | SOLIDAR Versicherungsgemeinschaft Sterbegeldversicherung VVaG |
| Headquarters | Germany | Germany |
| Founded | 1875Lower | 1922 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Hannoversche | SOLIDAR -Das faire Sterbegeld | Median |
|---|---|---|---|
| Premium from | €7.91above the median | €0.47lowest quarter | €6.02 |
Median across 116 listed insurance providers.
Pros and cons
Hannoversche
Pros
- Its starting premium of €7.91 sits under the site figure of €8.37.
- Monthly payments are available, and monthly is the only payment model listed.
- Cover spans auto, home and life from a provider founded in 1875.
Cons
- Monthly is the only payment model on the range, so monthly leaves no annual option.
- Claims run through phone, email and online service centre, a narrower set than the phone, email and chat used for general help, so chat and the help centre are not claim routes.
- The starting premium ranks at 121 of 252 brands on the site, so a low entry figure says little about renewal pricing.
SOLIDAR -Das faire Sterbegeld
Pros
- Starting premiums of €0.47 put it at 26 of 252 brands on price.
- Monthly payments: yes, and monthly makes a month the only pricing mode.
- The contract is with the insurer itself under BaFin licence 3079.
Cons
- The largest sum offered is up to EUR 8,000 death benefit (Tarife 18 and 19), so check it against any mortgage balance.
- Claims are taken on phone and post, meaning phone or post rather than an online form.
- Support runs on phone, email and help centre, so no live chat option is listed.
Who each suits
Hannoversche
Who it suits
- Households in DE that want auto, home, life and income protection from the same provider
- People who prefer paying monthly, since monthly payments are available on the term life range
- Buyers comfortable concluding term life cover online with a simplified health check
Who should look elsewhere
- bunq, whose starting premium is €0, if you are weighing a banking cost against a cover cost
- Euroasia Insurance, which quotes from UZS 60,000, if you want a different market
- Good Sam Insurance Agency, which lists auto, home and renters for anyone after a wider set of personal lines
SOLIDAR -Das faire Sterbegeld
Who it suits
- Households arranging a death benefit alongside a mortgage or a family loan.
- Applicants inside entry age 14-75 (monthly premium plans 14-70) who want the premium paid monthly.
- People after a single benefit rather than a mixed range, since life is the only cover here.
Who should look elsewhere
- Buyers wanting a savings-linked life policy instead of a death benefit: Linxea starts at €25 and is priced for a different purpose.
- Anyone bundling several policies with one provider: Good Sam lists auto, home and renters under one roof.
Current offers
SOLIDAR -Das faire Sterbegeld
Current offer
Discount code
Beitragsrabatt bis zu 18%: up to 18% off premium contributions
BaFin-approved premium discount from surplus participation, granted from the first month after policy start, reviewed annually
Source, checked September 26, 2026
Bonus
Sofort doppelte Versicherungssumme bei Unfalltod: double insured sum paid immediately
Applies to Tarife 18 and 19 on accidental death, waiting period waived; not payable for child co-insurance or single-premium Tarif EB
Source, checked September 26, 2026
Country by country
| Country | Hannoversche | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
Hannoversche
What does the starting premium cover?+
The starting premium of €7.91 is the published entry point for the term life insurance range, which is concluded online with a simplified health check and a set sum insured. That entry point sits under the site figure of €8.37, and starting premiums across the site run €2.92 to €29.72.
Who regulates the insurer?+
The contracting entity is Hannoversche Lebensversicherung AG, based in Germany and listed as an insurer. It is supervised by the Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) under licence 1312, so the cover is underwritten by the insurer itself.
SOLIDAR -Das faire Sterbegeld
What does a policy cost?+
Starting premiums are €0.47 for the monthly plans, against a site median of €8.37 and a life ranking median of €7.95. The monthly outgoing is the only pricing mode, monthly, so there is no annual alternative to compare.
How much does the policy pay out?+
The sum insured is up to EUR 8,000 death benefit (Tarife 18 and 19), and that is the ceiling on what a policy pays. life insurance is the only line here, with no savings or investment element attached, so anyone wanting a growing pot should look elsewhere.